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Re-interpretation of the Concept of Financial Gap
Högskolan i Borås, Institutionen Handels- och IT-högskolan.
2010 (engelsk)Inngår i: European journal of life writing, ISSN 1555-4015, E-ISSN 2378-8526, Vol. 10, nr 2, s. 79-88Artikkel i tidsskrift (Fagfellevurdert) Published
Abstract [en]

In current literature, the problem of financing small businesses is often explained in connection with the concept of Financial Gap. Generally speaking, this concept indicates that the existence of asymmetric information between the two parties that is, the owners of small businesses and financial institutions is a cause to loan denials. By applying an Ethnomethodological research perspective, this paper attempts to reinterpret the Financial Gap. By adopting this perspective, the aim is to contribute to the understanding of the Financial Gap through the analysis of the concepts used by each party in explaining the financial situations. We combined a set of data collected by in-depth interviews with the data collected by questionnaires. The idea was to capture the concepts by which the two parties interpret the Financial Gap in depth and width. The study concludes that causes to the rise of the Financial Gap have linguistic explanations. It arises from the two parties' use of different styles of language. The owners of small businesses often apply vocabularies that are compatible with the everyday activities of running the business. In contrast to this, financial institutions, like banking industries, expect that the owners of small businesses support their informational needs by rational models and formal vocabularies related to the basis of accounting that are used by big industries. The differences in styles of language become visible when the two parties, in a dissimilar way, treat ambiguities, address possibilities and constraints, present risks as well as deal with information needed for decision-making.

sted, utgiver, år, opplag, sider
International Academy of Business and Economics , 2010. Vol. 10, nr 2, s. 79-88
Emneord [en]
financial gap, ethnomethodological perspective, language differences, Accounting
HSV kategori
Identifikatorer
URN: urn:nbn:se:hb:diva-1238Lokal ID: 2320/10253OAI: oai:DiVA.org:hb-1238DiVA, id: diva2:869262
Tilgjengelig fra: 2015-11-13 Laget: 2015-11-13 Sist oppdatert: 2017-12-01bibliografisk kontrollert

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